1 The borrower applies, signs an agency agreement, signs a loan guarantee agreement and submits relevant materials.
2. Conduct real estate appraisal and pre-loan investigation and approval.
3. After approval, go through the mortgage registration formalities and obtain other warrants.
4 payment.
Relevant information required:
1. ID card, household registration book, marriage certificate (marriage certificate, divorce certificate)
2. Property ownership certificate, purchase contract or invoice
3 proof of income, copy of business license (or work permit of relevant competent departments and large enterprises and institutions), and the bank has been operating for nearly 6 months.
4. Proof of other assets (cars, houses, etc.). ).
Extended reading of related knowledge: New China's five new mortgage policies
Restrict purchase
The notice clearly pointed out that "the restricted purchase area should cover all administrative areas of the city; The types of restricted housing should include all newly-built commercial housing and second-hand housing; The qualification examination of house purchase should be moved forward to before signing the house purchase contract (subscription). Among them, "if housing prices in other cities rise too fast, the provincial people's government should require them to take measures such as purchase restriction in time", which means that the scope of purchase restriction may be expanded. Regulatory policies are stricter and more targeted.
Restrict loans (for [something])
For the second home loan policy, it embodies the characteristics of differentiated requirements. There is no unified requirement to increase the down payment ratio and loan interest rate, but it is required that "for cities where house prices have risen too fast, the local branches of the People's Bank of China can further increase the down payment ratio and loan interest rate of second-home loans according to the price control objectives and policy requirements of the urban people's government."
Taxes and administrative expenses
The regulatory role of taxation has been enhanced. For the first time, the policy made it clear that personal income tax on second-hand housing transactions will be levied strictly according to 20% of personal income, which will increase transaction costs and have a significant impact on the second-hand housing market.